01
2018 Toyota 4Runner SR5
Texas
$17,200
$27,650
+$10,450
8 daysGEICO
Independent Total Loss Appraisal
Your insurer has an appraiser. Now you have one too.
Every auto insurance policy includes an Appraisal Clause — your right to bring in an independent appraiser when their valuation feels wrong. We're licensed appraisers who represent you, not the carrier. Most clients recover $5,300+ more than their initial offer.
- Licensed in all 50 states
- USPAP-compliant reports
- Average response: 2 hours
- Local appraisers in your area
Trusted by drivers across the U.S.
Because the appraisal industry shouldn't be a black box. We track outcomes, publish the numbers, and back them with our Money-Back Guarantee.
5,300$+
Average Additional Value
2 hrs
Average First Response
4,200+
Claims Reviewed
50
States Licensed
96%
Beat the Original Offer
$13.7M+recovered for clients to date
Insurance Won't Tell You This.
We Will.
Buried in every auto policy is something called an Appraisal Clause — your contractual right to bring in your own appraiser when their valuation feels wrong.
Most drivers never hear about it. Carriers prefer it that way.
Three ways we help. You pick how much.
From a free second opinion to full appraisal-clause representation.
Check current offer
"Just want to know if you're being lowballed?"
A licensed appraiser reviews your insurer's valuation and tells you honestly within 2 hours whether the offer appears undervalued.
$0
Get appraisal report
"Want documentation to negotiate yourself?"
Receive a formal USPAP-compliant appraisal report prepared by a licensed appraiser. Use it yourself to negotiate, or keep it ready if you'd like us to step in later.
$199
How It Works
Getting more for your totaled vehicle is simple. Here's our proven process.
01
Start Your Consultation
Enter your vehicle details and upload your insurance offer. Takes 5 minutes.
02
We Research & Value
Our licensed appraisers conduct comparable vehicle research using NADA and market analysis to prepare a USPAP-compliant report.
03
We Negotiate
We present the evidence to your insurance company and negotiate on your behalf as your appointed appraiser.
04
You Get Paid More
Receive the additional value you deserve. Average: +$5,300. Backed by our Money-Back Guarantee.
Real results
Real cases. Real recovery. Real clients.
Every case is independently appraised. Every number is verified.
02
2019 Honda Accord EX-L
California
$12,800
$19,650
+$6,850
18 daysState Farm
03
2020 Toyota Tacoma TRD
Georgia
$22,300
$32,580
+$10,280
6 daysProgressive
04
2017 Chrysler Pacifica Touring
Ohio
$10,400
$17,820
+$7,420
21 daysAllstate
05
2016 Ford F-150 XLT
Florida
$14,900
$23,750
+$8,850
10 daysUSAA
06
2018 Subaru Outback Limited
Illinois
$16,200
$24,940
+$8,740
11 daysLiberty Mutual
07
2015 Jeep Grand Cherokee Limited
Arizona
$11,800
$19,840
+$8,040
15 daysFarmers
08
2020 Toyota Camry SE
North Carolina
$16,800
$22,450
+$5,650
14 daysState Farm
09
2019 Toyota Corolla LE
Arizona
$11,200
$15,780
+$4,580
8 daysProgressive
10
2021 Toyota RAV4 XLE Premium
Michigan
$20,400
$28,950
+$8,550
9 daysAllstate
11
2020 Honda CR-V EX-L AWD
Virginia
$18,900
$26,720
+$7,820
17 daysGEICO
12
2019 Honda Civic EX
Massachusetts
$13,400
$18,250
+$4,850
15 daysTravelers
13
2020 Chevrolet Silverado 1500 LT Crew Cab
Nevada
$26,800
$36,450
+$9,650
6 daysMercury
14
2019 Ram 1500 Big Horn Crew Cab 4x4
Tennessee
$23,500
$32,100
+$8,600
19 daysState Farm
15
2021 Nissan Rogue SV AWD
Colorado
$19,200
$26,780
+$7,580
16 daysProgressive
16
2022 Mercedes-AMG G63
California
$148,500
$192,400
+$43,900
8 daysAAA
17
2021 Rolls-Royce Cullinan
New York
$238,000
$308,750
+$70,750
6 daysChubb
18
2021 Porsche 911 Turbo S
Florida
$174,200
$221,800
+$47,600
19 daysProgressive
19
2022 Tesla Model S Plaid
Texas
$72,400
$94,250
+$21,850
18 daysGEICO
20
2022 Ford F-150 XLT SuperCrew
Texas
$32,400
$44,850
+$12,450
20 daysState Farm
21
2020 Toyota Highlander XLE AWD
Florida
$24,800
$33,420
+$8,620
21 daysGEICO
22
2019 Ford Explorer XLT 4WD
Georgia
$17,600
$24,890
+$7,290
15 daysAllstate
23
2021 Jeep Wrangler Unlimited Sahara
Colorado
$29,400
$40,250
+$10,850
15 daysProgressive
24
2020 GMC Sierra 1500 Denali Crew 4WD
Oklahoma
$38,900
$51,420
+$12,520
7 daysUSAA
25
2019 Subaru Forester Premium
Washington
$14,200
$20,680
+$6,480
12 daysLiberty Mutual
26
2021 Hyundai Tucson SEL AWD
Pennsylvania
$16,400
$22,850
+$6,450
5 daysState Farm
27
2020 Mazda CX-5 Grand Touring AWD
Oregon
$18,900
$26,340
+$7,440
11 daysProgressive
28
2021 Kia Sorento EX AWD
Virginia
$22,800
$31,250
+$8,450
10 daysAllstate
29
2019 Chevrolet Equinox LT AWD
Indiana
$12,600
$17,890
+$5,290
10 daysGEICO
Why drivers choose autoACV.
The appraisal industry hasn't changed in decades. We did.
"Built for the people who actually need one."
autoACV
Traditional appraisers
Pricing
Listed online · $0 / $199 / 15%
Call to ask · $500–900 flat
Quote time
Instant
2–4 hours by email
First response
Within 2 hours
1–3 business days
Communication
Online portal + real humans
Phone tag, fax
50-state licensed
Appraiser in your area
Often limited
autoACV
- PricingListed online · $0 / $199 / 15%
- Quote timeInstant
- First responseWithin 2 hours
- CommunicationOnline portal + real humans
- 50-state licensedAppraiser in your area
Traditional appraisers
- PricingCall to ask · $500–900 flat
- Quote time2–4 hours by email
- First response1–3 business days
- CommunicationPhone tag, fax
- 50-state licensedOften limited
Will using us raise my premium?
No. Here's why.
Filing your initial claim is what affects premiums — and that already happened.
Invoking your appraisal clause is a contractual right within that same claim. It doesn't open a new claim, doesn't create a new incident, and doesn't change your risk profile.
Licensed appraisers5,000+ cases handled4,200+ wonBBB AccreditedReviewed against CCC ONEMitchellAudatexReports accepted by every major U.S. insurerLicensed appraisers5,000+ cases handled4,200+ wonBBB AccreditedReviewed against CCC ONEMitchellAudatexReports accepted by every major U.S. insurer
4.9 ★ from 1,200+ verified drivers · all post-settlement
What our drivers said after the check cleared.
Each review below is from a driver whose final settlement was measurably higher than their insurer's first offer. We don't show reviews from cases still in progress.
MT
Marcus T.
Austin, TX
"State Farm offered me $11,200 on my F-150. Auto ACV came back with comps showing $16,000+. Their appraiser handled everything — final check was $16,020. Took 9 days end to end."
Recovered +$4,820
PS
Priya S.
Bellevue, WA
"Geico used a CCC report with three comps that were all the wrong trim. Auto ACV found ten matching comps in my market. The adjuster matched the appraisal without even invoking the clause."
Recovered +$2,940
DK
David K.
Newark, NJ
"I almost signed Allstate's first offer. So glad I didn't. The team walked me through every line of the report and got me thousands more in under two weeks."
Recovered +$3,560
JL
Jennifer L.
Phoenix, AZ
"My RAV4 had every option and Progressive ignored half of them. Auto ACV' report itemized each one. Settled for $5K more than the original offer."
Recovered +$5,210
TR
Tomás R.
Miami, FL
"USAA isn't usually the bad guy but their first offer was low. Auto ACV pushed back politely with hard data and we landed at a fair number. No upfront cost was the clincher."
Recovered +$2,180
EW
Erin W.
Boulder, CO
"Honest, fast, and they explained things in normal English. The dashboard kept me in the loop the whole time. 10/10."
Recovered +$3,705
FAQ
The three questions everyone asks us first.
Straight answers — no hedging, no fine print buried at the bottom.
Will my insurance company punish me for pushing back?
No. The appraisal clause is a standard right inside almost every U.S. auto policy — using it doesn't affect your coverage, your premium, or your relationship with the carrier. It's a built-in dispute mechanism written into the contract they wrote.
How long until I see the bigger check?
Most cases settle in two to four weeks from the day you send us your documents. The appraisal itself takes 48 hours. The rest depends on how quickly the insurer's appraiser responds — and whether we need to go to an umpire.
What if you can't get me more money?
Then you don't pay. Your $199 is refunded. No 15% fee. No paperwork penalty. We only make money when you do — and we'd rather pass on a case than waste both our time on one that won't move.
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Find your state and insurer
State-specific total-loss thresholds and carrier-by-carrier playbooks.